Overview / Commentary
1278 Rocky Point Dr
Oceanside, CA 92056

Frontwave Credit Union is headquartered in Oceanside and is the 58th largest credit union in the state of California. It is also the 372nd largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 260 employees and 88,143 members at 14 locations. Frontwave Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Frontwave Credit Union is open to those who live, work, or worship in the California counties of Riverside, San Bernadino, or San Diego. Immediate family members of current Frontwave Credit Union members also qualify.
See current membership details

Related Posts

Frontwave Credit Union (CA) Ups 3-Year CD, 3.50% APY - 2/5/2019

Frontwave Credit Union (Southern California) has raised the rates on its 3-year Share Certificate (3.50% APY). Minimum deposit is $1k, Also as an IRA.

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Reviews (2)

A great local credit union

Posted by: RyeBread | Jan 2, 2015

Back when I used to live in California, they had a branch out in Barstow, CA. It was an extremely big building and welcoming. It was also very professional looking, though they had more tellers than necessary at most times. The staff would always greet you with a smile and if you had an issue with filling out paperwork they were happy to help or send me to the appropriate department. I wasn't sure what the tellers were capable of since I was young, but they're very nice to those new to banking. The interest rates for just about anything beat the major banks out there. The one thing they were a decade behind on was an online presence. It looks like they've improved upon that since I was last with them. Their branch is only available in California, but I strongly recommend them. If they are not available to you, they recommended us to fairwinds when we moved and their services are equal. That includes fees for things like an inactive debit card, not meeting your monthly minimum deposit, etc. Either way, it's a good place.

Guantanamo Bay Banking

Posted by: k2r | Jul 11, 2011


San Marcos, CA

  8/14/2010 As of 2009, Gitmo Bay banking run by military jarheads who have issues with civilians.  Enter, wait at least 15 min. even if 5 staff are not helping any other person.  Must remove  all headgear. Must remove sunglasses, you terrorist suspects. Present preprinted deposit slip supplicating to make deposit. Repeat name. Repeat address. Repeat telephone number, all verbally to teller. This "proves" your identity, or that identity thieves can READ.  These are on the bank's own slip already yet. Say that you have not changed your address, verbally, from that of the slip. Ditto.  Provide password. ONLY THEN  can you  potential terrorists/thieves present cash or checks as inbound tickets. Every other bank in America, anyone can DEPOSIT to anyone's account, of themselves or others, by giving  pre-existing account # and name--nothing is leaving the institution, after all. It does not take half an hour and interrogation. I shudder to think about  attempting a withdrawal, an armed marine would probably have to supervise  your every step.


Health Grade Components

NCUA #68494
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD3.57%
Annual Interest Income$29.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$818.8MM$806.2MM
LoansQ4 2018vs Q4 2017$555.8MM$530.5MM
DepositsQ4 2018vs Q4 2017$696.5MM$678.8MM
Equity CapitalQ4 2018vs Q4 2017$111.0MM$108.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$4.7MM$4.6MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.7MM$2.0MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Frontwave Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Frontwave Credit Union Savings Account Rates

0.15%$5-Share Savings Account
0.15%$50-Individual Retirement Account

Frontwave Credit Union Money Market Rates

0.50%*$100k*-Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.40% $50k - $100k
0.50%*$100k*-Money Market IRAs
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.40% $50k - $100k

Frontwave Credit Union Checking Account Rates

0.20%$5-Dividend Plus
0.01%$5-Business Dividend

Frontwave Credit Union CD Rates

4.00%$100$5003 Year Military Saver Certificates
3.75%$100$5003 Year Saver Certificate
3.50%$1k-3 Year Share Certificates
3.05%$1k-5 Year Share Certificates
3.00%$1k-4 Year Share Certificates
3.00%$100$5001 Year Military Saver Certificates
2.55%$100$5002 Year Military Saver Certificates
2.30%$100$5002 Year Saver Certificate
2.05%$1k-2 Year Share Certificates
1.30%$100$5001 Year Saver Certificate
1.25%$100$5006 Month Military Saver Certificates
1.05%$1k-1 Year Share Certificates
1.00%$100$5006 Month Saver Certificates
0.75%$1k-6 Month Share Certificates

Frontwave Credit Union IRA Rates

3.50%$1k-3 Year IRA Share Certificate
3.05%$1k-5 Year IRA Share Certificate
3.00%$1k-4 Year IRA Share Certificate
2.05%$1k-2 Year IRA Share Certificate
1.05%$1k-1 Year IRA Share Certificate
0.75%$1k-6 Month IRA Share Certificates


San Diego Area

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